• An AI-powered platform that summarizes publicly available finance podcasts and YouTube videos.
• Summaries, reports, and analyses are generated by automated systems and may contain errors.
• Not financial advice. Nothing on the service is a recommendation to buy, sell, or hold any security.
• All content is for informational and educational purposes only.

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• One Person, One Account — accounts are non-transferable.

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• Use the service to violate any law or regulation
• Attempt to access other users’ accounts, data, or sessions
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• Resell, redistribute, or create competing services using our generated content
• Use the service to provide regulated financial advice to others
• Submit content that is harmful, offensive, infringing, or illegal
• Probe or stress-test the system, except via responsible disclosure for security issues

• Original content belongs to the creators who made it. We reference and link to it; we do not claim ownership.
• AI-generated summaries are derivative works produced by us. Your access license is personal, non-exclusive, and non-transferable.
• Your saved notes and content are yours. We do not train models on your private content.
• Trademarks — "simplicity.finance" and the wordmark are ours; all other marks belong to their respective owners.
• Rights holders — if you believe a summary, quote, or thumbnail uses your work beyond fair quotation, email legal@simplicity.finance with the link and what you own. We review every notice and remove or amend content we cannot justify.

• The service is provided "as is", without warranty of any kind, express or implied.
• AI-generated summaries may contain factual errors, hallucinations, or omissions. Always verify against the source before acting.
• We are not responsible for investment decisions or financial outcomes resulting from use of the service.
• Past performance discussed in summaries is not indicative of future results.
• To the maximum extent permitted by law, our liability is limited to the amount you have paid us in the 12 months preceding any claim.
• We are not liable for indirect, incidental, special, consequential, or punitive damages.

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• Effect — termination ends your access. Sections that by their nature should survive (disclaimers, liability limits, intellectual property) survive termination.

• We may update these terms periodically as the service or applicable law evolves.
• Material Changes — we will notify all accounts by email at least 14 days in advance.
• Continued use after changes take effect constitutes acceptance of the new terms.
• If you do not agree, you may delete your account before the change takes effect.

• These terms are governed by the laws of Bulgaria.
• If you use the service as a consumer, you also keep every protection of the law of the country you live in that cannot be waived by agreement, and you may bring a claim in your own courts.
• Consumers in the EU may also use the European Commission’s online dispute resolution platform. We will always try to resolve a complaint directly first — write to legal@simplicity.finance.